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One97 Communications Limited PAYTM NIFTY_MIDNSEAITECH

Technology · Software - Infrastructure · India
https://www.paytm.com
Company Profile ↓
₹1,394.70
+48.29% 1Y
Mkt Cap₹89,267.17 Cr
P/E163.12
P/B5.55
52W High₹1,394.70
52W Low₹940.55
Book Value₹250.39
EPS (TTM)₹8.55

Company Overview

One97 Communications Limited provides payment, commerce and cloud, and financial services to consumers and merchants in India, the United Arab Emirates, Saudi Arabia, and Singapore. The company offers payment and financial services, including payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management, etc. It also provides marketing services consist of aggregators for digital products, the ticketing business, the provision of voice and messaging platforms to telecom operators, enterprise customers and other businesses, etc. In addition, the company offers mobile recharge; bill payments, such as utility bills, education and money transfers on the app, online payment gateways, as well as offline payment solutions to merchants through QR codes, soundbox, and card machines. Further, it provides digital distribution of credit, insurance, mutual funds distribution, and equity broking services; other services, including ticketing, deals and gift vouchers and advertising services for merchants; and distributes credit cards. Additionally, the company offers lending and wealth management for consumers and merchants; loyalty solutions; and operates a technology platform for origination, loan management, and collection for credit access. One97 Communications Limited was incorporated in 2000 and is headquartered in Noida, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 43.7% per year over the last five years.

Recent Developments

  • Mar 2026 Revenue of ₹8,437.00 Cr (+22.3% YoY); net profit ₹553.00 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +22.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.2%, profit CAGR 43.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.20%
1 Year:22.28%

Compounded Profit Growth

5 Years:43.71%
1 Year:-

Stock Price Performance

1 Year:+48.29%
6 Months:+8.23%
3 Months:+21.40%
1 Month:+24.37%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Fintech / AI in Payments & Lending
Core Focus

Paytm uses AI in merchant scoring, loan distribution (Paytm Postpaid AI underwriting via partner NBFCs), insurance recommendation, and fraud detection.

Key Initiatives
  • AI-driven payments & lending Paytm uses AI for fraud detection, risk scoring and merchant underwriting across its large payments and lending-distribution platform.
  • AI in merchant services Machine-learning analytics power soundbox, QR and device-led merchant engagement and cross-sell.
  • GenAI customer & ops automation Generative-AI tools cut support and operations costs as Paytm drives toward sustainable profitability.
Why Investors Should Care
  • AI improves risk and unit economics in a turnaround toward profitability.
  • Large merchant and consumer base gives AI a rich dataset to monetise.
  • Still early on profits (ROE ~5%) with regulatory overhangs a key risk.
  • High P/E ~94 prices in a successful profitability ramp.
AI InvestmentTech spend ~₹2,000 Cr/year; in-house data science team.
AI RevenueRevenue ~₹6,500 Cr FY25; financial services + advertising growing.
ROI (Now)EBITDA still loss-making but narrowing. Path to profitability under turnaround.
ROI (Expected)Operating leverage + AI-driven cross-sell to drive break-even by FY26.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 43.7% over 5 years.

CONS

  • Trading at a high P/E of 163.1.
  • In a downtrend (50-DMA below 200-DMA).
  • RSI at 81 suggests overbought conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
163.12
Industry PE
27.67
Forward P/E
44.80
PEG Ratio
-
Book Value
₹250.39
Price to Book
5.55
P/S
10.53
EV/EBITDA
148.35
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
2.20%
Profit 5Y
43.71%
Revenue (YoY)
22.28%
Earnings (YoY)
-

Profitability & Returns

ROCE
3.68%
ROE
3.45%
ROA
2.31%
Profit Margin
6.55%
Op Margin
-0.50%
Gross Margin
29.11%
EPS (Latest Qtr)
₹2.83
EPS (TTM)
₹8.55

Balance Sheet & Liquidity

Debt/Equity
1.07
Quick Ratio
2.08
Current Ratio
2.55
Debt
₹172.00 Cr
Total Assets
₹23,915.00 Cr
Current Assets
₹19,341.00 Cr
Working Capital
₹11,745.00 Cr

Ownership

Promoter Holding
27.96%
Chg in Prom Hold
-0.01%
FII / Inst Holding
46.89%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹89,267.17 Cr
Total Revenue (TTM)
₹8,437.00 Cr
EBITDA
₹1,168.00 Cr
Free Cash Flow
₹-1,222.00 Cr
Operating Cash Flow
₹-743.00 Cr
Shares Outstanding
₹64.00 Cr
Gross Margin
29.11%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PAYTM One97 Communications Limited NIFTY_MIDNSEAITECH 1,394.70 163.12 ₹89,267.17 Cr 0.00% 3.68% 3.45% 2.20% 43.71%
2 TCS Tata Consultancy Services Limited NIFTY50NSEAITECH 2,173.50 15.98 ₹7.86 L Cr 3.14% 54.93% 45.89% 5.80% 5.30%
3 INFY Infosys Limited NIFTY50NSEAITECH 1,084.40 1,355.50 ₹4.40 L Cr 4.68% 41.66% 33.85% 3.44% 3.58%
4 HCLTECH HCL Technologies Limited NIFTY50NSEAITECH 1,176.30 18.35 ₹3.19 L Cr 8.25% 27.21% 22.14% 8.65% 3.87%
5 WIPRO Wipro Limited NIFTY50NSEAITECH 175.97 14.01 ₹1.85 L Cr 9.69% 17.85% 14.91% 0.78% 5.16%
6 TECHM Tech Mahindra Limited NIFTY50NSEAITECH 1,474.20 27.20 ₹1.44 L Cr 3.51% 19.82% 16.24% 2.16% -0.14%
7 LTM LTM Limited NSETECH 4,076.50 24.10 ₹1.21 L Cr 1.86% 25.39% 20.89% 8.43% 4.41%
8 LGEINDIA LG ELECTRONICS INDIA LTD NIFTY_MIDNSETECH 1,535.10 61.82 ₹1.04 L Cr 0.00% 27.64% 21.98% 0.98% -
9 OFSS Oracle Financial Services Software Limited NIFTY_MIDNSEAITECH 11,729.00 38.82 ₹1.02 L Cr 5.71% 43.24% 33.72% 10.42% 13.48%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 2,334.00 Cr2,342.00 Cr2,519.00 Cr2,850.00 Cr2,267.00 Cr1,502.00 Cr-1,828.00 Cr1,912.00 Cr1,917.50 Cr2,061.00 Cr2,194.00 Cr2,264.00 Cr
Cost of Revenue -------1,481.00 Cr1,414.00 Cr1,391.20 Cr-1,559.00 Cr1,606.00 Cr
Gross Profit -------347.00 Cr498.00 Cr526.30 Cr-635.00 Cr658.00 Cr
Operating Expenses 2,466.00 Cr2,652.00 Cr2,750.00 Cr3,014.00 Cr2,734.00 Cr2,295.00 Cr-735.00 Cr736.00 Cr620.90 Cr1,921.00 Cr612.00 Cr658.00 Cr
Operating Income -291.00 Cr-470.00 Cr-411.00 Cr-364.00 Cr-663.00 Cr-972.00 Cr--388.00 Cr-238.00 Cr-94.60 Cr3.00 Cr23.00 Cr0
EBITDA -131.00 Cr-311.00 Cr-231.00 Cr-163.00 Cr-467.00 Cr-794.00 Cr--34.00 Cr-387.00 Cr296.60 Cr140.00 Cr367.00 Cr331.00 Cr
Interest Expense 7.00 Cr7.00 Cr7.00 Cr5.00 Cr5.00 Cr4.00 Cr-4.00 Cr5.00 Cr4.00 Cr5.00 Cr4.00 Cr5.00 Cr
Pretax Income -168.00 Cr-354.00 Cr-279.00 Cr-221.00 Cr-536.00 Cr-839.00 Cr--203.00 Cr-542.00 Cr126.50 Cr30.00 Cr230.00 Cr194.00 Cr
Tax Provision 0-3.54 Cr-13.95 Cr-0-16.08 Cr-0-5.00 Cr3.00 Cr4.00 Cr9.00 Cr5.00 Cr11.00 Cr
Net Income -168.00 Cr-358.00 Cr-292.00 Cr-222.00 Cr-550.00 Cr-840.00 Cr--208.00 Cr-540.00 Cr122.50 Cr21.00 Cr225.00 Cr184.00 Cr
Diluted EPS -2.66-5.63-4.58-3.46-8.65-13.19--3.27-8.471.890.333.462.83

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 323.00 Cr855.00 Cr3,224.00 Cr3,279.00 Cr2,801.00 Cr-7,904.40 Cr9,869.90 Cr6,900.00 Cr8,437.00 Cr
Cost of Revenue ------5,879.40 Cr6,915.80 Cr6,053.00 Cr5,981.00 Cr
Gross Profit ------2,025.00 Cr2,954.10 Cr847.00 Cr2,456.00 Cr
Operating Expenses 683.00 Cr2,523.00 Cr7,592.00 Cr5,964.00 Cr4,640.00 Cr-4,116.30 Cr4,582.30 Cr3,027.00 Cr2,498.00 Cr
Operating Income -381.00 Cr-1,696.00 Cr-4,480.00 Cr-2,859.00 Cr-2,016.00 Cr--2,091.30 Cr-1,628.20 Cr-2,180.00 Cr-42.00 Cr
EBITDA -360.00 Cr-1,668.00 Cr-4,368.00 Cr-2,685.00 Cr-1,838.00 Cr--1,234.30 Cr-630.40 Cr44.00 Cr1,168.00 Cr
Interest Expense 2.00 Cr1.00 Cr38.00 Cr54.00 Cr38.00 Cr-23.30 Cr24.30 Cr16.00 Cr18.00 Cr
Pretax Income -367.00 Cr-1,534.00 Cr-4,237.00 Cr-2,958.00 Cr-1,698.00 Cr--1,742.90 Cr-1,390.40 Cr-645.00 Cr582.00 Cr
Tax Provision -3.67 Cr-0029.58 Cr-0-33.60 Cr32.00 Cr18.00 Cr30.00 Cr
Net Income -372.00 Cr-1,535.00 Cr-4,231.00 Cr-2,942.00 Cr-1,701.00 Cr--1,775.90 Cr-1,417.00 Cr-659.00 Cr553.00 Cr
Diluted EPS -123.02-331.99-726.78-470.27-280.42--27.00-22.33-10.358.55

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 701.00 Cr3,450.00 Cr8,764.00 Cr10,302.00 Cr9,151.00 Cr-17,965.80 Cr18,692.80 Cr21,447.70 Cr23,915.00 Cr
Current Assets ------13,986.30 Cr13,717.40 Cr17,084.50 Cr19,341.00 Cr
Cash & Equivalents ------3,312.00 Cr4,277.20 Cr2,076.90 Cr3,285.00 Cr
Inventory ----------
Receivables ------815.90 Cr1,177.80 Cr1,036.30 Cr1,186.00 Cr
Total Liabilities ------4,972.90 Cr5,394.40 Cr6,450.60 Cr7,887.00 Cr
Current Liabilities ------4,486.90 Cr5,069.00 Cr6,186.40 Cr7,596.00 Cr
Long Term Debt ----------
Total Debt 015.00 Cr932.00 Cr428.00 Cr612.00 Cr-223.30 Cr176.60 Cr160.40 Cr172.00 Cr
Total Equity 384.00 Cr2,797.00 Cr5,725.00 Cr8,105.00 Cr6,534.00 Cr-13,015.60 Cr13,326.60 Cr15,026.70 Cr16,026.00 Cr
Shares Outstanding ------63.38 Cr63.54 Cr63.78 Cr64.00 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -334.00 Cr-1,405.00 Cr-4,476.00 Cr-2,377.00 Cr-2,082.00 Cr-415.60 Cr650.80 Cr-121.00 Cr-743.00 Cr
Investing Cash Flow -20.00 Cr-2,229.00 Cr1,906.00 Cr-1,997.00 Cr1,934.00 Cr-2,625.50 Cr318.00 Cr-2,043.00 Cr1,719.00 Cr
Financing Cash Flow 459.00 Cr3,938.00 Cr2,110.00 Cr5,160.00 Cr-222.00 Cr--1,112.30 Cr-22.10 Cr-53.00 Cr-50.00 Cr
Capital Expenditure -38.00 Cr-110.00 Cr-175.00 Cr-186.00 Cr-188.00 Cr--705.20 Cr-821.70 Cr-322.00 Cr-479.00 Cr
Free Cash Flow -372.00 Cr-1,515.00 Cr-4,651.00 Cr-2,563.00 Cr-2,270.00 Cr--289.60 Cr-170.90 Cr-443.00 Cr-1,222.00 Cr
Net Change in Cash 104.00 Cr304.00 Cr-460.00 Cr786.00 Cr-371.00 Cr-1,928.80 Cr946.70 Cr-2,217.00 Cr926.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------25.6%29.9%12.3%29.1%
Operating Margin % -118.0%-198.4%-139.0%-87.2%-72.0%--26.5%-16.5%-31.6%-0.5%
Net Margin % -115.2%-179.5%-131.2%-89.7%-60.7%--22.5%-14.4%-9.6%6.6%
ROE % -96.9%-54.9%-73.9%-36.3%-26.0%--13.6%-10.6%-4.4%3.5%
ROCE % -------15.5%-12.0%-14.3%-0.3%

Shareholding Pattern

Insiders
27.96%
Institutions
46.89%
Public Float
65.09%

Analyst View

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Latest News

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PAYTM — Frequently Asked Questions

What is the current share price of One97 Communications Limited (PAYTM)?

As of 2026-07-15 09:52 IST, One97 Communications Limited (PAYTM) trades at ₹1,394.70 on NSE. Its 52-week range is ₹940.55 to ₹1,394.70.

What is the market capitalisation of PAYTM?

One97 Communications Limited (PAYTM) has a market capitalisation of ₹89,267.17 Cr on NSE.

What is the P/E ratio of PAYTM?

PAYTM trades at a trailing price-to-earnings (P/E) ratio of 163.12. The industry average P/E is 27.67. Its price-to-book (P/B) ratio is 5.55.

What is the return on equity (ROE) of PAYTM?

PAYTM has a return on equity (ROE) of 3.45%. Its return on capital employed (ROCE) is 3.68%.

Is PAYTM a good stock to buy?

This page provides a data-driven analysis of One97 Communications Limited (PAYTM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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